Underwriter 3

Want to Work with Really Great People?

The lifeblood of LenderLive is our people. We are a tight-knit group and we're passionate about what we do. If you thrive on challenges and collaboration, and work hard no matter who is watching, we want to talk to you. At LenderLive, we believe it's possible to love coming to work.

We don't do easy here. Standards are high, and we take pride in exceeding expectations. It's how we've gotten to where we are, and it's how we grow. We are a mid-sized company with a big heart. If you're looking for an opportunity that's authentic, meaningful and emphasizes living a balanced life, LenderLive is the place for you.

An Underwriter III reviews residential mortgage loan applications and all applicable documentation to render lending decisions in accordance with GSE, government, client and/or internal LLN guidelines. Team player who will work closely with internal and external customers to provide outstanding customer service.

Essential Functions

Underwriting conventional, jumbo, and/or portfolio loans within established SLA requirements while maintaining file quality which includes rendering credit decisions with appropriate conditions and clearing conditions on files according to LLN and/or client guidelines

Perform data input and reconcile LP and DU findings to ensure data integrity and compliance with LLN/Client guidelines/criteria

Review and analyze credit reports to assess residential and employment histories, current liabilities, payment patterns, derogatory credit and public records to ensure profile meets LLN/Client guidelines

Navigate multiple guideline sources to ensure compliance with agency, client and

LenderLive requirements/limitations.

Analyze residential appraisal reports

Review preliminary title reports

Accurately analyze and calculate income from various income sources including but not limited to hourly, salaried, commission, fixed income and complex self-employment

Analyze various asset statements including, but not limited to, checking, savings, 401K, etc.

Effectively communicate lending decisions in a positive and professional manner
Identify and review red flags when reviewing application information and documentation including income, occupancy and assets.

Education

High school Diploma or GED

Experience

Minimum of 5+ years front line underwriting in a fast paced mortgage environment

Experience with automated underwriting systems (DU/LP)

Experience with fraud tools, i.e. LoanSafe or Fraduguard is preferred

FHA CHUMS orVA LAPP/SAR is required

Essential Knowledge, Skills & Abilities:

Strong sense of urgency and initiative

Ability to work collaboratively with others

Detail-oriented

Excellent verbal and written communication skills

Excellent problem solving skills

Thorough understanding of credit and an ability to review complex financial documents

Ability to make independent credit decisions

Strong organizational skills

Ability to multi-task and handle high work volumes

Capacity to work in a team-oriented environment

Ability to prioritize multiple competing tasks and manage time effectively in a fast-paced environment, while practicing sound lending judgment

Mentor for other team members

Working Conditions

Work is performed in climate controlled indoor administrative office setting. The noise level in the work environment is usually quiet to moderate, depending upon office or meeting location.

Physical Demands

While performing the duties of this job, the employee is regularly required to communicate. The employee frequently is required to remain stationary. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; reach with hands and arms; stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move 10 pounds. Vision: Close and distance required with ability to see objects in presence of glare or bright lighting (e.g., computer screen). Speech/Hearing: Frequently interact with management, vendors, coworkers, industry constituents, clients and the public.

LenderLive offers an extensive benefits package for all employees, including medical, dental, vision and 401k!

LenderLive is committed to equal opportunity in all employment practices to all qualified applicants and employees without regard to race, color, religion, gender, gender identity, age, national origin, pregnancy, disability, genetics, marital status, military or veteran status or any other protected category as established by local, state and federal law. This policy applies to all aspects of the employment relationship including recruitment and hiring, placement, promotion, transfer, compensation, disciplinary action, layoff, leaves of absence, training and termination. All such employment decisions will be made without unlawful discrimination based on any prohibited basis.

The essential functions, working conditions and physical demands described above are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.


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